Mazda CX-5 Cost to Own
By CarWhere Research · Updated
A 2026 Mazda CX-5 costs about $33,057 over 5 years and 75,000 miles in depreciation, fuel and insurance. Depreciation is the biggest share at $14,667 (39.8% of the median new price); fuel $11,980 and national-average insurance $6,410 make up the rest. Scheduled maintenance, repairs and registration fees come on top.
5-year total
$33,057
depreciation + fuel + insurance
Depreciation
$14,667
39.8% of new price
Fuel
$11,980
$2,396/yr
Insurance
$6,410
national average
5-year cost-to-own breakdown
Assumptions: 5 years, 15,000 miles a year (75,000 total), bought new. Every line shows its formula and source.
| Line | 5 years | Per year | How it’s calculated | Source |
|---|---|---|---|---|
| Depreciation | $14,667 | $2,933 | $36,851 median new price (2026) × 39.8% below new for 5-year-old (2021) listings | CarWhere depreciation study |
| Fuel | $11,980 | $2,396 | 75,000 mi ÷ 26 MPG × $4.153/gal regular | EPA × EIA November 2, 2026 |
| Insurance | $6,410 | $1,282 | U.S. average expenditure per insured car (2023) × 5 years. Not specific to the CX-5. | NAIC, by state |
| Scheduled maintenance | Not priced | — | Intervals and items from the Mazda schedule below. No manufacturer-published service prices. | Mazda schedule |
| Registration and fees | Varies by state | — | State registration, title and taxes. | State title guides |
| Total | $33,057 | $6,611 | Depreciation + fuel + national-average insurance. Maintenance, repairs and fees not included. | |
Depreciation
New CX-5s list for a median $36,851 (33,416 listings). In CarWhere’s used-market study, 2021 models (5 years old) list 39.8% below that, so a CX-5 loses about $14,667 in its first five years.
| Model year | Age | Median listing | Below new | Listings |
|---|---|---|---|---|
| 2021 | 5 | $22,187 | 39.8% | 1,253 |
Fuel
The EPA rates the 2026 CX-5 at 26 MPG combined. At $4.153/gal regular (EIA, week of November 2, 2026), 75,000 miles cost about $11,980, or $2,396 a year.
EPA versions included: CX-5 4WD.
Insurance
Insurance varies by driver, location and coverage. Across all insured cars, U.S. drivers spent an average of $1,282 a year in 2023 (NAIC); see car insurance cost by state for your state’s average.
Is the CX-5 expensive to maintain?
Mazda's published oil-change interval: when the vehicle status monitor/wrench light comes on; maximum 10,000 miles or 12 months (2026 CX-5, 2026 CX-30, 2025 Mazda3). For the CX-5: 2026 (new generation, mild hybrid): oil at the monitor prompt, max 10,000 mi/12 mo; severe 5,000 mi/6 mo; 2026: spark plugs every 70,000 miles; brake fluid every 2nd visit; air filter at visits 3 and 6. We list the schedule rather than a dollar figure because Mazda doesn't publish service prices.
For repair patterns owners report, see CX-5 known issues.
Oil changes
Normal: When the vehicle status monitor/wrench light comes on; maximum 10,000 miles or 12 months (2026 CX-5, 2026 CX-30, 2025 Mazda3)
Severe or special conditions: 5,000 miles or 6 months (long idling or low-speed use such as police/taxi, mostly unpaved roads, mostly mountain/uphill roads)
The 2025 CX-5 used a different scheme: Flexible oil maintenance with a 7,500 miles or 12 months maximum, and Schedule 2 fixed intervals for severe use.
Source: 2026 Mazda CX-30 Scheduled Maintenance (mazdausa.com)
| Interval | Items | Source |
|---|---|---|
| Every service visit (max 10,000 miles or 12 months) |
| 2026 Mazda CX-30 Scheduled Maintenance (mazdausa.com) |
| Every 10,000 miles |
| 2026 Mazda CX-30 Scheduled Maintenance (mazdausa.com) |
| Every 2nd visit (~20,000 miles) |
| 2026 Mazda CX-30 Scheduled Maintenance (mazdausa.com) |
| Every 30,000 miles or 24 months |
| 2026 Mazda CX-30 Scheduled Maintenance (mazdausa.com) |
| 3rd and 6th visits (~30,000 / 60,000 miles) |
| 2026 Mazda CX-30 Scheduled Maintenance (mazdausa.com) |
| Spark plugs |
| 2026 Mazda CX-30 Scheduled Maintenance (mazdausa.com) |
| 120,000 miles or 120 months (first) |
| 2026 Mazda CX-30 Scheduled Maintenance (mazdausa.com) |
| Brake fluid (2026 CX-5) |
| 2026 Mazda CX-5 Scheduled Maintenance (owner's manual excerpt, mazdausa.com) |
CX-5-specific notes
- 2026 (new generation, mild hybrid): oil at the monitor prompt, max 10,000 mi/12 mo; severe 5,000 mi/6 mo
- 2026: spark plugs every 70,000 miles; brake fluid every 2nd visit; air filter at visits 3 and 6
- 2025 (previous generation): Flexible oil max 7,500 mi/12 mo, tire rotation every 7,500 miles (Schedule 2: every 5,000); spark plugs 40,000 (2.5T) or 75,000 miles
Source: 2026 Mazda CX-5 Scheduled Maintenance (owner's manual excerpt, mazdausa.com)
More CX-5 research
Frequently asked questions
How much does it cost to own a Mazda CX-5?
A 2026 Mazda CX-5 costs about $33,057 over 5 years and 75,000 miles in depreciation, fuel and insurance. Depreciation is the biggest share at $14,667 (39.8% of the median new price); fuel $11,980 and national-average insurance $6,410 make up the rest. Scheduled maintenance, repairs and registration fees come on top.
Is the CX-5 expensive to maintain?
Mazda's published oil-change interval: when the vehicle status monitor/wrench light comes on; maximum 10,000 miles or 12 months (2026 CX-5, 2026 CX-30, 2025 Mazda3). For the CX-5: 2026 (new generation, mild hybrid): oil at the monitor prompt, max 10,000 mi/12 mo; severe 5,000 mi/6 mo; 2026: spark plugs every 70,000 miles; brake fluid every 2nd visit; air filter at visits 3 and 6. We list the schedule rather than a dollar figure because Mazda doesn't publish service prices.
Is the CX-5 expensive to insure?
Insurance varies by driver, location and coverage, and CarWhere doesn't publish model-specific premiums. Across all insured cars, U.S. drivers spent an average of $1,282 a year (NAIC, 2023), or $6,410 over 5 years; our state-by-state study shows the average where you live.
How much does a CX-5 depreciate in 5 years?
In CarWhere's used-market study, 5-year-old CX-5s (model year 2021) list for 39.8% below the median new price of $36,851, about $14,667 of lost value.
How much does a CX-5 cost to fuel per year?
About $2,396 a year at 15,000 miles, based on the EPA rating of 26 MPG combined and $4.153/gal regular (EIA, week of November 2, 2026).
Sources and method
Formula: 5-year total = depreciation (median new price × % below new at age 5) + fuel (75,000 mi ÷ EPA combined MPG × EIA national price, or kWh/100 mi × EIA residential rate for EVs) + insurance (NAIC national average expenditure × 5). Lines without a citable source are left blank.
- CarWhere car depreciation by model study — CarWhere Research (data as of 2026-10-25)
- Fuel economy data (vehicles.csv) — U.S. EPA / DOE, fueleconomy.gov
- Weekly U.S. retail gasoline and diesel prices — U.S. Energy Information Administration (week of November 2, 2026)
- Auto Insurance Database Report (average expenditure) — NAIC, via CarWhere state study (2023 data)
- 2026 Mazda CX-5 Scheduled Maintenance (owner's manual excerpt, mazdausa.com) — Mazda (opened 2026-11-06)
- 2025 Mazda CX-5 Scheduled Maintenance (mazdausa.com) — Mazda (opened 2026-11-06)
- 2026 Mazda CX-30 Scheduled Maintenance (mazdausa.com) — Mazda (opened 2026-11-06)
- 2025 Mazda3 Sedan Scheduled Maintenance (mazdausa.com) — Mazda (opened 2026-11-06)